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OUR INSIGHTS SUITE
Tax Strategy, CFO Insights & NIL Finance for Founders and Athletes


My Texas Registered Agent Resigned. What Happens Now?
When your registered agent resigns in Texas, the clock starts: the agent drops off after about 31 days, and the state can terminate your business if no replacement is named within roughly 90 days of its notice. Here is the timeline, the risk in the gap, and the one filing that fixes it.

MJ Cunningham, EA
Oct 45 min read
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How Do I Change My Registered Agent in Texas?
Changing your registered agent in Texas comes down to one filing, Form 401, but it only goes through if your new agent has consented and your business is in good standing. Here's what gets it rejected.

MJ Cunningham, EA
Oct 14 min read
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How Long Can the IRS Collect Back Taxes? The 10-Year Rule Explained
The IRS generally has ten years to collect a tax debt, but the clock starts at assessment, not the tax year, and it pauses for events like an offer in compromise or bankruptcy. Here's how to find your real CSED.

MJ Cunningham, EA
Sep 297 min read
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IRS Transcripts Explained: What They Show and How to Read Them
There are five types of IRS transcripts, and each answers a different question about your account. Here is what each one shows, every way to get yours, and an honest look at what reading them actually takes.

MJ Cunningham, EA
Sep 276 min read
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How Do I Find Out How Much I Owe the IRS?
There are four ways to find out what you owe the IRS, an online account, a phone call, your notices, or a full transcript pull by a licensed representative, and they don't show you the same thing. This guide covers what each one reveals and hides, why your balance is bigger or smaller than you fear, and how to turn a scary total into an actual plan instead of a payoff quote.

MJ Cunningham, EA
Sep 225 min read
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IRS Reasonable Cause Penalty Relief: What Qualifies and What Never Does
Reasonable cause is the IRS's evidence-based penalty relief program, it removes penalties when circumstances outside your control caused the compliance failure, but only when the story is documented, not just told. This guide covers what actually qualifies, the professional-reliance rule that surprises most taxpayers, how a winning request is built, and what to expect if first-time abatement isn't available for your year.

MJ Cunningham, EA
Sep 208 min read
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IRS First-Time Penalty Abatement: Who Qualifies and How It Works
First-time penalty abatement is an IRS waiver that removes failure-to-file, failure-to-pay, and certain deposit penalties for taxpayers with a clean three-year compliance history, no hardship story required. This guide walks through the three eligibility tests, which penalties qualify, how to request it by phone, in writing, or in response to a notice, and what to do if the request is denied.

MJ Cunningham, EA
Aug 307 min read
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Why Was My Certificate of Good Standing Request Denied?
If your Texas Certificate of Fact, Status request came back denied, flagged, or never arrived, the most likely reason is that your LLC has forfeited its registration with the state, almost always over unresolved franchise tax. This is not a paperwork error a resubmission will fix. This guide explains what forfeiture actually means, walks through a real case where a denied certificate surfaced a forfeiture during a loan closing, and covers exactly what has to happen before.

MJ Cunningham, EA
Aug 205 min read
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How Do I Get a Certificate of Good Standing in Texas Fast?
Most delays in getting a Texas Certificate of Fact, Status have nothing to do with the state being slow. They come from requesting the wrong document, submitting a name that does not exactly match your filed entity name, or discovering partway through that your entity cannot receive one at all. This guide walks through exactly what information you need before you submit and where the process actually slows down.

MJ Cunningham, EA
Aug 185 min read
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What Is a Certificate of Good Standing in Texas?
If a lender, title company, or another state's registration office asked you for a Certificate of Good Standing, you searched for something Texas does not actually issue. The real document is called a Certificate of Fact, Status, and requesting it under the wrong name is the most common reason these requests stall or bounce back entirely.

MJ Cunningham, EA
Aug 166 min read
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How to Get IRS Penalties Removed: What Actually Works
Most taxpayers assume IRS penalties are locked in the moment they hit the account, so they pay them without asking a single question. In reality, two formal programs remove failure-to-file, failure-to-pay, and other penalties every year, and the IRS is never required to mention either one. This guide breaks down what actually qualifies, how much of a typical balance is penalties versus tax, and the exact process for requesting removal.

MJ Cunningham, EA
Aug 116 min read
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Can the IRS Garnish Wages in Texas?
Texas has some of the strongest wage protections in the country, but they don't apply to the IRS, and if a Final Notice of Intent to Levy has already been mailed, the countdown is federal, not state. This guide breaks down exactly how much of a Texas paycheck the IRS can legally take, the mandatory warning notices it must send first, and the specific steps to release a levy before or after it hits.

MJ Cunningham, EA
Aug 96 min read
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